What if there is/was no MJO at the time of a Voluntary Repossession? Is the Lender/MIG Co required to tell you that they have obtained one? On the very crap advice of a certain firm of Kent solicitor's, a friend of mine filled in the Income/Expenditure form and tried to make payments for six months, giving up when they started harrassing him for more money and not his partner who had left without paying a bean. This was eight years ago, and he has moved three times since then, the Lender following him with nasty threatening letters (and doing little else) all the way. No contact for about five years suggests to me that they may have given up. I am confused as to whether the 6/12 year rule applies in Voluntary Reposession cases, and if either does, from which date exactly? Any thoughts?(posted 8505 days ago)Thanks